Dental services covered by a typical dental insurance policy may include cleanings, fillings and crowns, emergency tooth replacements, non-cosmetic oral surgeries and x-rays.
In today’s world of managed health care plans, dental insurance agencies tend to call their plans PPOs (preferred provider organizations) or HMOs (health management organizations).
A PPO dental insurance plan is preferred by dentists because the insurer pays at least 80% on most claims. Routine dental visits may receive 100% reimbursement, while major oral surgeries and cosmetic procedures may reimburse the dentist 50%.
Under an HMO dental policy, the insurers can limit the amount of reimbursement to the dentist, but treatment cannot be denied to any eligible patient. Fewer and fewer dental professionals are choosing to participate in HMO dental insurance plans as a result.
Douglas • McCarty Insurance Services offers a variety of dental insurance options. This allows you to offer a dental plan that is both affordable and provides choice for your employees.
Find the correct Dental Insurance Plan that meets your specific needs.
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